If you don't mind living in a rural area, try a usda rural home loan. They are federally insured and do not require mortgage insurance, which increases the amount you can borrow. I used one about 18 months ago and love it. Fixed, low rate and easy to qualify for. You can read about them online. I used a company out of Utah to finance mine, RANLife. They rocked and we did everything electronically. Very simple. I would highly recommend them ... good luck and hopefully this one will work for you!